We work smarter to keep claims management simple

With Guardian, you can count on efficient service and support from a highly skilled staff with extensive industry experience. You’ll benefit from:


An ounce of prevention 

At Guardian, we know that time is of the essence with disability. The longer an employee is out of work, the more difficult it can be for him or her to transition back into the workforce.


That’s why, if you have both Guardian Short Term Disability and Long Term Disability, we’ll work with you from day one to help ensure that STD claims don’t become LTD claims. If a claim does transition, the same nurse case manager will follow it from STD to LTD to provide continuity of care.


Ensuring the best possible return-to-work scenarios 

To give employees the best chance of resuming employment, we ensure they receive the attention, vocational rehabilitation, and outplacement services they need. Our success stories speak for themselves:

  • Review possible work barriers resulting from a disability.
  • Explore what jobs a claimant might be good at and help create specific job goals, including a future road map to ensure successful employment.
  • Communicate and coordinate with you and your employee to facilitate a smooth transition back into the workforce.
  • Initiate retraining, rehabilitation, and assistance that lead to new skills and opportunities.
  • Perform onsite work evaluations to assess job abilities, skills, possible accommodations, and alternative opportunities within the company.

Our success stories speak for themselves:

Flexible plan designs, flexible contract terms

At Guardian, we offer a wide variety of customizable LTD plan designs — including voluntary plans — to help you manage risk, control costs and meet the financial protection needs of your employees.

Our contracts support a return-to-work philosophy, with built-in features to motivate and encourage employees, such as no set number of interruption/trial work days. Plus, if an employee is engaged in an approved rehabilitation plan, we’ll pay up to a 10% enhancement to the monthly LTD benefit to cover vocational-related expenses. And we offer innovative options4 such as loan payment protection to ease the burden on your employees.

A cost-effective way to provide maximum coverage 

If you have higher-earning employees, you may find that group long term disability insurance leaves some of their income uncovered. Through our integrated Disability and Absence Management solution, we provide a seamless, cost-effective way to address this gap: Guardian Supplemental Individual Disability Income Insurance. With this individual policy, you can offer additional income protection to key employees — providing a valuable recruitment and retention benefit — without increasing your Group LTD cap.

Contact your broker today

Learn more about why Guardian is a smart choice for long term disability insurance. We’ll be glad to work with you and your broker to determine the best coverage for your company’s needs.


Social Security Administration, Fact Sheet, February 7, 2013.

LIMRA, U.S. Group Disability Sales and Inforce 2017 Annual Results.

Ratings as of March 2, 2017 and are subject to change. Source: Vital Signs and Third Party Rating Agencies. Comdex is not a rating, but a composite of all ratings that a company has received from the major rating agencies (A.M. Best, Standard & Poor's, Moody's, and Fitch). Comdex percentile ranks the companies, on a scale of 1 to 100 (with 100 being the best).  
4Options may not be available in all states at this time.

Financial information concerning The Guardian Life Insurance Company of America as of December 31, 2016, on a statutory basis: Admitted Assets = $51.9 Billion; Liabilities = $45.7 Billion (including $39.4 Billion of Reserves); and Surplus = $6.2 Billion.

Guardian’s Group Short Term Disability and Long Term Disability Insurance are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage. STD Policy Forms #GP-1-STD07-1.0, et al. and #GP-1-STD-15-1.0 et al.; LTD Policy Forms #GP-1-LTD07-1.0, et al. and #GP-1-LTD-15-1.0 et al.

Supplemental Individual Disability Income Insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Product provisions and features may vary from state to state. Optional riders are available for additional premium. Policy Form #1200.